Home > Bank of the South > Income and Expense
Bank of the South, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,814,000 | 6,971 |
| Total interest expense | $1,436,000 | 6,515 |
| Net interest income | $1,378,000 | 7,277 |
| Provision for loan and lease losses | $193,000 | 3,935 |
| Total noninterest income | $237,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $92,000 | 6,127 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $145,000 | 5,629 |
| Total noninterest expense | $950,000 | 7,712 |
| Salaries and employee benefits | $493,000 | 7,819 |
| Premises and equipment expense | $106,000 | 7,679 |
| Additional noninterest expense | $351,000 | 7,299 |
| Pre-tax net operating income | $472,000 | 6,077 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $191,000 | 3,887 |
| Income before extraordinary items | $281,000 | 6,504 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $281,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,708 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $281,000 | 6,482 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,004,000 | 1,341 |
| Total interest expense | $12,774,000 | 1,165 |
| Net interest income | $11,230,000 | 1,530 |
| Provision for loan and lease losses | $415,000 | 1,807 |
| Total noninterest income | $2,404,000 | 1,569 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $954,000 | 1,385 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,450,000 | 1,410 |
| Total noninterest expense | $8,945,000 | 1,528 |
| Salaries and employee benefits | $4,929,000 | 1,535 |
| Premises and equipment expense | $1,128,000 | 1,744 |
| Additional noninterest expense | $2,888,000 | 1,396 |
| Pre-tax net operating income | $4,274,000 | 1,580 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,466,000 | 1,247 |
| Income before extraordinary items | $2,808,000 | 1,795 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,808,000 | 1,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 1,779 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 793 |
| Net operating income | $2,808,000 | 1,783 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,845,000 | 1,361 |
| Total interest expense | $8,530,000 | 1,162 |
| Net interest income | $7,315,000 | 1,584 |
| Provision for loan and lease losses | $348,000 | 1,373 |
| Total noninterest income | $1,630,000 | 1,569 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $621,000 | 1,422 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,009,000 | 1,390 |
| Total noninterest expense | $5,970,000 | 1,536 |
| Salaries and employee benefits | $3,273,000 | 1,571 |
| Premises and equipment expense | $754,000 | 1,757 |
| Additional noninterest expense | $1,943,000 | 1,393 |
| Pre-tax net operating income | $2,627,000 | 1,745 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $898,000 | 1,372 |
| Income before extraordinary items | $1,729,000 | 1,987 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,729,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,212 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 710 |
| Net operating income | $1,729,000 | 1,968 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,741,000 | 1,388 |
| Total interest expense | $4,197,000 | 1,165 |
| Net interest income | $3,544,000 | 1,629 |
| Provision for loan and lease losses | $152,000 | 1,418 |
| Total noninterest income | $758,000 | 1,629 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $294,000 | 1,462 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $464,000 | 1,438 |
| Total noninterest expense | $2,955,000 | 1,554 |
| Salaries and employee benefits | $1,604,000 | 1,617 |
| Premises and equipment expense | $374,000 | 1,778 |
| Additional noninterest expense | $977,000 | 1,372 |
| Pre-tax net operating income | $1,195,000 | 1,871 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $403,000 | 1,513 |
| Income before extraordinary items | $792,000 | 2,083 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $792,000 | 2,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,949 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 595 |
| Net operating income | $792,000 | 2,072 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,498,000 | 3,720 |
| Total interest expense | $4,720,000 | 3,170 |
| Net interest income | $4,778,000 | 4,149 |
| Provision for loan and lease losses | $300,000 | 2,748 |
| Total noninterest income | $1,053,000 | 3,423 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $352,000 | 3,804 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $701,000 | 2,766 |
| Total noninterest expense | $4,144,000 | 3,885 |
| Salaries and employee benefits | $2,262,000 | 3,895 |
| Premises and equipment expense | $485,000 | 4,358 |
| Additional noninterest expense | $1,397,000 | 3,486 |
| Pre-tax net operating income | $1,387,000 | 4,467 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $452,000 | 3,288 |
| Income before extraordinary items | $935,000 | 4,857 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $935,000 | 4,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,997 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,046 |
| Net operating income | $935,000 | 4,848 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,284,000 | 6,784 |
| Total interest expense | $1,100,000 | 6,120 |
| Net interest income | $1,184,000 | 7,170 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $247,000 | 6,039 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $80,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,918 |
| Total noninterest expense | $1,021,000 | 7,124 |
| Salaries and employee benefits | $554,000 | 7,145 |
| Premises and equipment expense | $122,000 | 7,130 |
| Additional noninterest expense | $345,000 | 6,751 |
| Pre-tax net operating income | $410,000 | 6,573 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $133,000 | 4,616 |
| Income before extraordinary items | $277,000 | 6,829 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $277,000 | 6,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,535 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 957 |
| Net operating income | $277,000 | 6,832 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,333,000 | 1,575 |
| Total interest expense | $5,655,000 | 1,370 |
| Net interest income | $6,678,000 | 1,737 |
| Provision for loan and lease losses | $184,000 | 2,240 |
| Total noninterest income | $1,449,000 | 1,691 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $546,000 | 1,612 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $903,000 | 1,466 |
| Total noninterest expense | $5,720,000 | 1,572 |
| Salaries and employee benefits | $3,299,000 | 1,508 |
| Premises and equipment expense | $714,000 | 1,776 |
| Additional noninterest expense | $1,707,000 | 1,555 |
| Pre-tax net operating income | $2,223,000 | 2,138 |
| Securities gains (losses) | $-27,000 | 8,184 |
| Applicable income taxes | $763,000 | 1,731 |
| Income before extraordinary items | $1,433,000 | 2,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,433,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,668 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $6,078,000 | 141 |
| Net operating income | $1,450,550 | 2,387 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,924,000 | 1,601 |
| Total interest expense | $2,644,000 | 1,393 |
| Net interest income | $3,280,000 | 1,754 |
| Provision for loan and lease losses | $154,000 | 1,398 |
| Total noninterest income | $757,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $262,000 | 1,624 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $495,000 | 1,346 |
| Total noninterest expense | $2,824,000 | 1,589 |
| Salaries and employee benefits | $1,636,000 | 1,521 |
| Premises and equipment expense | $359,000 | 1,770 |
| Additional noninterest expense | $829,000 | 1,573 |
| Pre-tax net operating income | $1,059,000 | 2,185 |
| Securities gains (losses) | $-27,000 | 8,441 |
| Applicable income taxes | $362,000 | 1,781 |
| Income before extraordinary items | $670,000 | 2,526 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $670,000 | 2,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,701 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $5,077,000 | 73 |
| Net operating income | $687,550 | 2,459 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,124,000 | 1,759 |
| Total interest expense | $7,091,000 | 1,614 |
| Net interest income | $12,033,000 | 1,824 |
| Provision for loan and lease losses | $418,000 | 2,211 |
| Total noninterest income | $2,181,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $968,000 | 1,780 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,213,000 | 1,956 |
| Total noninterest expense | $9,887,000 | 1,719 |
| Salaries and employee benefits | $5,545,000 | 1,691 |
| Premises and equipment expense | $1,351,000 | 1,791 |
| Additional noninterest expense | $2,991,000 | 1,689 |
| Pre-tax net operating income | $3,909,000 | 2,262 |
| Securities gains (losses) | $-45,000 | 8,141 |
| Applicable income taxes | $1,212,000 | 1,992 |
| Income before extraordinary items | $2,652,000 | 2,482 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,652,000 | 2,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,857 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 574 |
| Net operating income | $2,683,050 | 2,421 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,335,000 | 1,843 |
| Total interest expense | $4,739,000 | 1,703 |
| Net interest income | $8,596,000 | 1,910 |
| Provision for loan and lease losses | $275,000 | 2,345 |
| Total noninterest income | $1,642,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $703,000 | 1,824 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $939,000 | 1,900 |
| Total noninterest expense | $7,189,000 | 1,748 |
| Salaries and employee benefits | $4,007,000 | 1,725 |
| Premises and equipment expense | $982,000 | 1,834 |
| Additional noninterest expense | $2,200,000 | 1,699 |
| Pre-tax net operating income | $2,774,000 | 2,366 |
| Securities gains (losses) | $-45,000 | 8,443 |
| Applicable income taxes | $849,000 | 2,116 |
| Income before extraordinary items | $1,880,000 | 2,600 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,880,000 | 2,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $265,000 | 464 |
| Net operating income | $1,911,050 | 2,543 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,075,000 | 1,958 |
| Total interest expense | $2,778,000 | 1,811 |
| Net interest income | $5,297,000 | 2,058 |
| Provision for loan and lease losses | $200,000 | 2,158 |
| Total noninterest income | $1,044,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $424,000 | 1,971 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $620,000 | 1,886 |
| Total noninterest expense | $4,460,000 | 1,856 |
| Salaries and employee benefits | $2,479,000 | 1,845 |
| Premises and equipment expense | $623,000 | 1,913 |
| Additional noninterest expense | $1,358,000 | 1,824 |
| Pre-tax net operating income | $1,681,000 | 2,505 |
| Securities gains (losses) | $-29,000 | 8,469 |
| Applicable income taxes | $464,000 | 2,368 |
| Income before extraordinary items | $1,188,000 | 2,668 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,188,000 | 2,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $196,000 | 367 |
| Net operating income | $1,208,880 | 2,593 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,643,000 | 2,120 |
| Total interest expense | $1,219,000 | 1,942 |
| Net interest income | $2,424,000 | 2,218 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $352,000 | 2,716 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $189,000 | 2,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $163,000 | 2,830 |
| Total noninterest expense | $2,056,000 | 2,014 |
| Salaries and employee benefits | $1,156,000 | 1,968 |
| Premises and equipment expense | $306,000 | 1,962 |
| Additional noninterest expense | $594,000 | 2,065 |
| Pre-tax net operating income | $620,000 | 3,157 |
| Securities gains (losses) | $-26,000 | 8,702 |
| Applicable income taxes | $86,000 | 4,012 |
| Income before extraordinary items | $508,000 | 3,011 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $508,000 | 3,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 229 |
| Net operating income | $530,360 | 2,862 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,396,000 | 2,326 |
| Total interest expense | $3,788,000 | 2,151 |
| Net interest income | $8,608,000 | 2,376 |
| Provision for loan and lease losses | $477,000 | 2,049 |
| Total noninterest income | $1,405,000 | 2,803 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $634,000 | 2,579 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $771,000 | 2,560 |
| Total noninterest expense | $7,816,000 | 2,046 |
| Salaries and employee benefits | $4,409,000 | 1,978 |
| Premises and equipment expense | $1,175,000 | 1,958 |
| Additional noninterest expense | $2,232,000 | 2,183 |
| Pre-tax net operating income | $1,720,000 | 3,892 |
| Securities gains (losses) | $-20,000 | 8,388 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,700,000 | 3,324 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,700,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,075 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 567 |
| Net operating income | $1,720,000 | 3,211 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,877,000 | 2,394 |
| Total interest expense | $2,728,000 | 2,187 |
| Net interest income | $6,149,000 | 2,455 |
| Provision for loan and lease losses | $235,000 | 2,682 |
| Total noninterest income | $1,051,000 | 2,821 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $441,000 | 2,769 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $610,000 | 2,470 |
| Total noninterest expense | $5,788,000 | 2,063 |
| Salaries and employee benefits | $3,182,000 | 2,053 |
| Premises and equipment expense | $891,000 | 1,930 |
| Additional noninterest expense | $1,715,000 | 2,108 |
| Pre-tax net operating income | $1,177,000 | 4,204 |
| Securities gains (losses) | $-20,000 | 8,650 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,157,000 | 3,632 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,157,000 | 3,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,829 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 550 |
| Net operating income | $1,177,000 | 3,519 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,673,000 | 2,469 |
| Total interest expense | $1,752,000 | 2,239 |
| Net interest income | $3,921,000 | 2,534 |
| Provision for loan and lease losses | $118,000 | 3,243 |
| Total noninterest income | $668,000 | 2,933 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $272,000 | 2,938 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $396,000 | 2,529 |
| Total noninterest expense | $3,825,000 | 2,085 |
| Salaries and employee benefits | $2,050,000 | 2,130 |
| Premises and equipment expense | $595,000 | 1,921 |
| Additional noninterest expense | $1,180,000 | 2,038 |
| Pre-tax net operating income | $646,000 | 4,650 |
| Securities gains (losses) | $-20,000 | 8,797 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $626,000 | 4,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $626,000 | 4,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,185 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 500 |
| Net operating income | $646,000 | 3,953 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 2,522 |
| Total interest expense | $840,000 | 2,339 |
| Net interest income | $1,933,000 | 2,563 |
| Provision for loan and lease losses | $118,000 | 1,889 |
| Total noninterest income | $255,000 | 3,477 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $125,000 | 3,064 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $130,000 | 3,191 |
| Total noninterest expense | $1,769,000 | 2,249 |
| Salaries and employee benefits | $982,000 | 2,232 |
| Premises and equipment expense | $272,000 | 2,131 |
| Additional noninterest expense | $515,000 | 2,297 |
| Pre-tax net operating income | $301,000 | 4,799 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $298,000 | 4,283 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $298,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,697 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 352 |
| Net operating income | $301,000 | 4,135 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,708,000 | 2,917 |
| Total interest expense | $3,399,000 | 2,563 |
| Net interest income | $6,309,000 | 3,047 |
| Provision for loan and lease losses | $489,000 | 2,209 |
| Total noninterest income | $1,112,000 | 3,483 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $463,000 | 3,299 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $649,000 | 3,109 |
| Total noninterest expense | $6,152,000 | 2,543 |
| Salaries and employee benefits | $3,553,000 | 2,375 |
| Premises and equipment expense | $755,000 | 2,896 |
| Additional noninterest expense | $1,844,000 | 2,581 |
| Pre-tax net operating income | $780,000 | 5,761 |
| Securities gains (losses) | $124,000 | 1,699 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $904,000 | 4,927 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $904,000 | 4,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,681 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $172,000 | 626 |
| Net operating income | $780,000 | 5,153 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,073,000 | 3,031 |
| Total interest expense | $2,548,000 | 2,638 |
| Net interest income | $4,525,000 | 3,174 |
| Provision for loan and lease losses | $216,000 | 3,212 |
| Total noninterest income | $834,000 | 3,544 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $337,000 | 3,379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $497,000 | 3,150 |
| Total noninterest expense | $4,532,000 | 2,596 |
| Salaries and employee benefits | $2,615,000 | 2,426 |
| Premises and equipment expense | $547,000 | 2,985 |
| Additional noninterest expense | $1,370,000 | 2,590 |
| Pre-tax net operating income | $611,000 | 5,832 |
| Securities gains (losses) | $132,000 | 1,515 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $743,000 | 4,804 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $743,000 | 4,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,747 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 545 |
| Net operating income | $611,000 | 5,167 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,612,000 | 3,107 |
| Total interest expense | $1,685,000 | 2,734 |
| Net interest income | $2,927,000 | 3,264 |
| Provision for loan and lease losses | $124,000 | 3,416 |
| Total noninterest income | $526,000 | 3,639 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $226,000 | 3,314 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $300,000 | 3,294 |
| Total noninterest expense | $2,878,000 | 2,701 |
| Salaries and employee benefits | $1,664,000 | 2,520 |
| Premises and equipment expense | $339,000 | 3,164 |
| Additional noninterest expense | $875,000 | 2,678 |
| Pre-tax net operating income | $451,000 | 5,570 |
| Securities gains (losses) | $132,000 | 1,312 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $583,000 | 4,376 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $583,000 | 4,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $451,000 | 4,881 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 3,207 |
| Total interest expense | $825,000 | 2,857 |
| Net interest income | $1,406,000 | 3,352 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $253,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $102,000 | 3,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $151,000 | 3,200 |
| Total noninterest expense | $1,399,000 | 2,755 |
| Salaries and employee benefits | $805,000 | 2,607 |
| Premises and equipment expense | $170,000 | 3,154 |
| Additional noninterest expense | $424,000 | 2,711 |
| Pre-tax net operating income | $225,000 | 5,546 |
| Securities gains (losses) | $140,000 | 829 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $365,000 | 3,692 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $365,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $225,000 | 4,799 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,626,000 | 3,424 |
| Total interest expense | $3,346,000 | 3,230 |
| Net interest income | $5,280,000 | 3,497 |
| Provision for loan and lease losses | $742,000 | 1,743 |
| Total noninterest income | $427,000 | 5,613 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $349,000 | 3,874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,931 |
| Total noninterest expense | $4,900,000 | 2,981 |
| Salaries and employee benefits | $2,818,000 | 2,792 |
| Premises and equipment expense | $518,000 | 3,835 |
| Additional noninterest expense | $1,564,000 | 2,863 |
| Pre-tax net operating income | $65,000 | 8,420 |
| Securities gains (losses) | $18,000 | 3,224 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $83,000 | 8,410 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $83,000 | 8,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $237,000 | 559 |
| Net operating income | $65,000 | 8,399 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,520,000 | 6,759 |
| Total interest expense | $1,605,000 | 6,772 |
| Net interest income | $1,915,000 | 6,571 |
| Provision for loan and lease losses | $872,000 | 1,400 |
| Total noninterest income | $106,000 | 8,425 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $94,000 | 6,690 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $4,088,000 | 3,362 |
| Salaries and employee benefits | $2,326,000 | 3,151 |
| Premises and equipment expense | $357,000 | 4,960 |
| Additional noninterest expense | $1,405,000 | 3,050 |
| Pre-tax net operating income | $-2,939,000 | 9,526 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-2,939,000 | 9,547 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-2,939,000 | 9,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $24,313,000 | 32 |
| Net operating income | $-2,939,000 | 9,532 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.